The inaccessible credits under 0%: why business poorly takes from banks free money

Since April the Russian banks started giving out credits on payment salaries under 0% to help business to endure a sharp phase of crisis. But, by data Central bank Russian Federation (Bank Russia), the program "goes poorly", and banks approve only 30% of demands. magazine "Forbes" interrogated businessmen and banks to find out that becomes causes of failure and by what rules banks give out such credits...